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Help and Advice

Mars Capital has a dedicated Arrears Support Unit (ASU) available to work with you if you are having repayment difficulties or are worried that repayment problems may arise.

Call us today on: Mars Capital LoCall 1890 303 702 or if calling from abroad on +353 1 630 6054

Our approach to managing arrears and defaults is to engage in dialogue with borrowers so that we can fully understand their circumstances and find a suitable solution to their problems. We encourage any borrowers who may be encountering financial difficulties to speak to us as soon as possible, because the sooner they do so the greater the chance we have of being able to come to a satisfactory resolution. 

Lenders are restricted from imposing charges and/or surcharge interest on arrears arising on a mortgage account in arrears to which the Central Bank’s Code of Conduct on Mortgage Arrears applies unless the borrower is not co-operating. If you are not co-operating, charges may apply in line with regulation, facility documentation and security documentation. Such charges may include surcharge interest.

We do, however, also strongly advise that you take appropriate independent financial and/or legal advice in relation to your mortgage loan account. The following sources of information may be helpful to you:

Money Advice & Budgeting Service (MABS) www.mabs.ie


Mortgage Arrears Information Helpline 
www.keepingyourhome.ie


Insolvency Service of Ireland 
www.isi.gov.ie


Citizens Information Board 
www.citizensinformation.ie


Department of Social Protection 
www.welfare.ie


Office of the Revenue Commissioners 
www.revenue.ie

 

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